Effective Date: 1/20/2026
Last Updated: 1/20/2026
This Disclaimers and Disclosures page provides important information about Qube Plus and how it operates. By accessing or using Qube Plus, you acknowledge and agree to the disclosures outlined below. These disclosures supplement and do not replace our Terms and Conditions and Privacy Policy.
1. Product Overview
Qube Plus is a standalone financial technology product offered by Qube Money. Qube Plus is designed to help users view, organize, and gain awareness of their spending activity using information from a connected checking account and supported credit cards.
Qube Plus is intended for informational and organizational purposes only.
2. Not a Bank and No Banking Services
Qube Money is not a bank, credit union, or financial institution.
Qube Plus does not provide banking services.
Qube Plus does not hold, transfer, or store customer funds.
Qube Plus does not issue debit cards, credit cards, or bank accounts.
Any banking services you use remain solely between you and your financial institution.
3. Account Connectivity and Data Aggregation
Qube Plus connects to your existing bank and credit card accounts through trusted third-party data aggregation providers such as Plaid.
Connections are read-only.
Qube Plus cannot move, modify, or initiate transactions.
Account availability depends on supported institutions and integration partners.
Connection reliability may vary by bank or card issuer.
By linking an account, you authorize Qube Plus and its data providers to access and display your financial data for the purpose of delivering app functionality.
4. Supported Financial Institutions
Not all banks, credit cards, or financial institutions are supported.
Availability may change over time.
Some features may function differently depending on your institution.
Temporary disruptions may occur due to third-party systems.
Qube Money does not control the availability, accuracy, or performance of third-party financial institutions or data providers.
5. Beta Product Disclosure
Qube Plus is currently offered in limited Beta testing and is not yet publicly available.
As a Beta product, features may be incomplete or under development. Data syncing may be delayed or inconsistent. Functionality may change without notice. Some features shown in previews or marketing materials may not yet be available.
Participation in the Beta program is voluntary and the product is provided as-is.
6. No Financial, Investment, or Legal Advice
Qube Plus does not provide financial, investment, tax, or legal advice.
Any insights, summaries, categorizations, or tools are provided for informational purposes only. Budgeting outcomes and savings results vary by individual. You should consult a qualified professional before making financial decisions.
Use of Qube Plus does not create an advisor-client relationship.
7. Performance and Results Disclaimer
Individual results may vary.
Budgeting tools do not guarantee savings, debt reduction, or financial improvement. Past performance does not predict future outcomes. Spending insights are estimates based on available data and user inputs.
Qube Money makes no guarantees regarding financial results or outcomes.
8. Credit Card and Rewards Disclosure
If you connect supported credit cards, rewards, points, and benefits are governed solely by your card issuer.
Qube Plus does not issue, manage, or control credit card rewards programs. Reward balances and calculations are provided by third-party data sources and may be delayed or inaccurate.
Always refer to your card issuer’s terms and conditions for authoritative reward information.
9. Security Disclosure
Qube Plus uses industry-standard security practices designed to protect user data.
References to bank-level security mean the use of encryption, secure transmission protocols, and internal safeguards similar to those used by major financial institutions. No system is completely secure, and Qube Money cannot guarantee absolute security.
10. Email and Communications Disclosure
By joining the Qube Plus waitlist or creating an account, you agree to receive product-related communications from Qube Money. These may include Beta access updates, service notifications, and product announcements.
You may unsubscribe from non-essential communications at any time.
11. Feedback and User Submissions
Feedback provided by Beta participants may be used to improve product features, refine the user experience, and inform future development.
Feedback may be used internally without compensation, attribution, or obligation.
12. Third-Party Services
Qube Plus relies on third-party providers for account connectivity, cloud infrastructure, analytics, and support services.
Qube Money is not responsible for interruptions, errors, inaccuracies, or data issues caused by third-party services.
13. Testimonials and Endorsements
From time to time, Qube Money may collect and display testimonials, reviews, or endorsements from users of Qube Plus.
Testimonials reflect individual experiences and opinions and may not be representative of all users. Individual results vary and are not guaranteed.
Some testimonials may be provided by Beta participants and may relate to features that are still in development or subject to change.
Testimonials may be edited for clarity or length but are not altered in a way that changes their meaning or intent.
If a testimonial was provided in exchange for early access, incentives, or other benefits, that relationship will be disclosed where required.
14. Changes to These Disclosures
These disclosures may be updated from time to time to reflect product changes, regulatory guidance, or operational updates.
Material changes will be communicated through the app or by email. Continued use of Qube Plus constitutes acceptance of the updated disclosures.
15. Contact Information
If you have questions about these disclosures, contact us at:
Qube Money
Email: support@qubemoney.com